The stereotype for holdbacks (Crabs, FCA, etc.) is accurate. If you have a kid that is 16 or will turn 16 by the end of 2016 on a 2020 team - they are a holdback.
Really?? Ya think??? My 2020 just turned 14 two months ago.
You are such losers.
If a player turns 15 after Sept 1/2016 they are not a holdback. New rules that will be widely ignored come into effect.